Last update: Nov 2026

Cost of Living Comparison Between Virovitica and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $1,491 in Virovitica, rent and utilities included – about $1,900 less a year. The total is higher in Virovitica despite lower rent and utilities.

75

Cost of Living Index in Virovitica
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Virovitica Living Index
64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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Virovitica

🇭🇷 Croatia

$1,491

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

How much you'll spend in Virovitica and in Ubud, Bali

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Virovitica and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,491 in Virovitica versus $1,331 in Ubud, Bali.

Virovitica $1,491
Ubud, Bali $1,331

Estimated couple costs with rent: $2,304 in Virovitica versus $2,255 in Ubud, Bali.

Virovitica $2,304
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $3,118 in Virovitica versus $3,180 in Ubud, Bali.

Virovitica $3,118
Ubud, Bali $3,180

Living in Virovitica is roughly 12% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Virovitica is 10% above, Ubud, Bali is 2% below.

Meal at Budget Restaurant

$13.36 €11.91

$3.38 Rp 61.3K

295.27%

Three-Course Dinner for Two, Mid-Range

$44.60 €39.79

$34.65 Rp 628.8K

28.72%

Fast Food Meal (McDonalds, etc)

$10.27 €9.16

$5.57 Rp 101.2K

84.38%

Cappuccino

$2.03 €1.81

$2.62 Rp 47.5K

-22.52%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$1.73 €1.54

$1.54 Rp 27.9K

12.34%

Water (0.33 liter bottle)

$1.83 €1.63

$0.64 Rp 11.6K

185.94%

Local Beer (0.5 liter draught)

$2.71 €2.42

$2.67 Rp 48.4K

1.50%

Imported Beer (0.33 liter bottle)

$2.51 €2.24

$4.26 Rp 77.4K

-41.08%

Milk (1 liter)

$1.20 €1.07

$1.46 Rp 26.5K

-17.81%

White Bread (500g)

$1.55 €1.38

$2.29 Rp 41.6K

-32.31%

Rice (white) (1kg)

$3.34 €2.98

$1.11 Rp 20.1K

200.90%

Eggs

$3.66 €3.27

$2.10 Rp 38.1K

74.29%

Local Cheese (1kg)

$15.62 €13.94

$15.94 Rp 289.3K

-2.01%

Chicken Fillets (1kg)

$10.04 €8.96

$3.88 Rp 70.5K

158.76%

Beef Round Steak (1kg)

$14.42 €12.86

$11.40 Rp 206.9K

26.49%

Apples (1kg)

$1.70 €1.52

$3.55 Rp 64.5K

-52.11%

Banana (1kg)

$1.67 €1.49

$1.54 Rp 27.9K

8.44%

Oranges (1kg)

$1.86 €1.66

$2.23 Rp 40.5K

-16.59%

Tomato (1kg)

$2.57 €2.29

$1.97 Rp 35.8K

30.46%

Potato (1kg)

$1.31 €1.17

$1.86 Rp 33.7K

-29.57%

Onion (1kg)

$1.25 €1.12

$2.42 Rp 43.9K

-48.35%

Lettuce (1 head)

$1.37 €1.23

$1.02 Rp 18.6K

34.31%

Water (1.5 liter bottle)

$1.30 €1.16

$0.52 Rp 9,479

150.00%

Cigarettes 20 Pack (Marlboro, Camel)

$5.82 €5.20

$2.20 Rp 39.9K

164.55%

Wine (Bottle)

$7.79 €6.95

$21.79 Rp 395.4K

-64.25%

Local Beer (0.5 liter bottle)

$1.65 €1.47

$2.33 Rp 42.2K

-29.18%

Imported Beer (0.33 liter bottle)

$2.12 €1.89

$2.97 Rp 53.9K

-28.62%

One-way Ticket (Public Transport)

$1.73 €1.54

$0.25 Rp 4,544

592.00%

Public Transport Monthly Pass (Regular Price)

$48.06 €42.87

$8.17 Rp 148.4K

488.25%

Taxi Start (Normal Tariff)

$5.70 €5.08

$0.44 Rp 7,944

1195.45%

Taxi (Normal Tariff) (1km)

$1.47 €1.31

$0.47 Rp 8,493

212.77%

Taxi 1hour Waiting (Normal Tariff)

$13.39 €11.95

$5.60 Rp 101.6K

139.11%

Gasoline (1 liter)

$1.85 €1.65

$0.83 Rp 15.0K

122.89%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$27.5K €24.5K

$24.4K Rp 443.7M

12.38%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$25.1K €22.3K

$31.7K Rp 575.2M

-20.96%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$189 €169

$77.5 Rp 1.4M

144.06%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$24.03 €21.44

$6.14 Rp 111.5K

291.37%

Internet (50+ Mbps, Unlimited Data)

$39.06 €34.84

$18.92 Rp 343.3K

106.45%

Gym Membership (Monthly)

$54.5 €48.65

$51.0 Rp 925.4K

6.96%

Tennis Court (1 Hour on Weekend)

$15.07 €13.44

$18.25 Rp 331.2K

-17.42%

Cinema Ticket

$10.33 €9.22

$4.38 Rp 79.5K

135.84%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$540 €482

$492 Rp 8.9M

9.69%

International Primary School, 1 Child (Yearly)

$9,838 €8,775

$12.2K Rp 221.8M

-19.50%

Jeans (Levis 501 Or Similar)

$100 €89.4

$45.16 Rp 819.6K

121.94%

Summer Dress (H&M, Zara, etc)

$41.28 €36.82

$34.89 Rp 633.2K

18.31%

Sport Shoes (Adidas, Nike)

$102 €91.3

$78.3 Rp 1.4M

30.66%

Men's Leather Business Shoes

$109 €97.6

$77.9 Rp 1.4M

40.54%

1-bedroom Apartment, City Center (Monthly)

$689 €615

$1,078 Rp 19.6M

-36.03%

1-bedroom Apartment, Outside City Center (Monthly)

$451 €402

$665 Rp 12.1M

-32.17%

3-bedroom Apartment, City Center (Monthly)

$1,120 €999

$3,510 Rp 63.7M

-68.10%

3-bedroom Apartment, Outside City Center (Monthly)

$894 €797

$1,671 Rp 30.3M

-46.50%

Buy Apartment in City Center (m2)

$4,001 €3,569

$2,340 Rp 42.5M

70.96%

Buy Apartment Outside City Center (m2)

$2,881 €2,570

$2,236 Rp 40.6M

28.83%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

3.73

13.78

-72.93%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Virovitica: November 1, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Virovitica

$451 30.3%

Ubud, Bali

$665 50% 47.4% $214

Groceries & Markets

Virovitica

$290 19.5%

Ubud, Bali

$279 21% 3.8% $11

Monthly Utilities & Internet

Virovitica

$252 16.9%

Ubud, Bali

$103 7.7% 59.3% $150

Eating Out

Virovitica

$195 13.1%

Ubud, Bali

$106 8% 45.7% $89

Clothing & Footwear

Virovitica

$159 10.7%

Ubud, Bali

$106 8% 33.1% $53

Sport & Entertainment

Virovitica

$75 5.1%

Ubud, Bali

$60 4.5% 20.5% $15

Getting Around

Virovitica

$68 4.6%

Ubud, Bali

$12 0.9% 82.4% $56

Cost Breakdown

A one-bedroom apartment in the center runs $689 in Virovitica and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $45 in Virovitica vs $35 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $290 vs $279 per month, with Ubud, Bali cheaper across the board.

Good to know

🇭🇷 Virovitica

🇮🇩 Ubud, Bali

🕒 Local time

10:10 10:10 AM

17:10 5:10 PM

7 h ahead of Virovitica

🌤 Weather

👥 Population

19,302

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of November 4, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,148 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,345 IDR (100,000 IDR = 4.92 EUR).

USD to EUR in detail →

On the map

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Virovitica Ubud, Bali 11,290 km ≈ 15 h nonstop flight

From you

Virovitica
Ubud, Bali

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Virovitica vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 11% lower than in Virovitica. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

You’d need roughly $2,236 in Virovitica and $1,996 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $689 in Virovitica versus $1,078 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $540 in Virovitica versus $492 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 4% higher in Virovitica. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Virovitica and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.